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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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A Closer Look at the Borrower Cash Flow Channel

23 Dec 2016 RDP 2016-12
Gianni La Cava, Helen Hughson and Greg Kaplan
Download the Paper 1. MB. Next, we take a closer look at the borrower cash flow channel by exploiting variation between variable-rate and fixed-rate borrowers in their response to ... If the borrower cash flow channel exists, the cash flows and spending
https://www.rba.gov.au/publications/rdp/2016/2016-12/closer-look-at-the-borrower-cash-flow-channel.html
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The Role of Collateral in Borrowing

20 Jan 2021 RDP 2021-01
Nicholas Garvin, David W Hughes and José-Luis Peydró
Australian interbank markets at the time of the Lehman Brothers failure present a platform for identification, because the collateral is liquid and homogenous across borrowers (unlike in retail credit markets), the ... After the exogenous shock,
https://www.rba.gov.au/publications/rdp/2021/2021-01.html
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

19 Jul 2020 RDP PDF 1853KB
borrowers to negative equity. For example, in the ‘frictionless option model’, borrowers rationally. ... borrower entering arrears. They estimate a multinomial logit for whether borrowers in arrears go on.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf

The Term Funding Facility: Has It Encouraged Business Lending?

8 Dec 2022 RDP PDF 2133KB
access to data on individual borrowers. We use a regression in the spirit of a triple-difference framework to address the potential difference. ... including because non-banks may lend to a different population of borrowers than banks.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf

The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

22 Jul 2020 RDP 2020-03
Michelle Bergmann
My results are broadly consistent with the double-trigger hypothesis. Ability-to-pay factors, such as regional unemployment rates and borrowers' repayment-to-income ratios, are found to be correlated with
https://www.rba.gov.au/publications/rdp/2020/2020-03.html
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The Rise in Household Liquidity

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
A redraw facility enables the borrower to withdraw excess funds they have already contributed to pay off their loan. ... This is because borrowers that select mortgages with such features could be systematically different from those that do not, and
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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Identifying Repo Market Microstructure from Securities Transactions Data

13 Aug 2018 RDP PDF 2622KB
collateral, whereas if an unsecured borrower defaults, the lender joins other unsecured creditors. ... Loan-level data are valuable because, for example, they capture information on the borrower and.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-09.pdf

The Role of Collateral in Borrowing

14 Jan 2021 RDP PDF 1784KB
Lenders to each borrower Borrowers to each lender. Min Mean Max Std dev Min Mean Max Std dev. ... borrowers) they dealt with. Specifically, if a borrower borrows from N different lenders throughout.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf

Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

25 Nov 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
Additionally, the probability of entering arrears varies across different loan types; for example, low-documentation loans are more likely to enter arrears, even after controlling for whether the borrower was ... employed. The likelihood of entering
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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Appendix C: Full Results

13 Dec 2022 RDP 2022-07
Sharon Lai, Kevin Lane and Laura Nunn
May. (a). Jun. Jul. Aug. Sep. Oct. SME borrower. 2.691. (6.060). ... Jun. Jul. Aug. Sep. Oct. Nov. Dec. SME borrower. 15.483. (6.058).
https://www.rba.gov.au/publications/rdp/2022/2022-07/appendix-c.html
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